Banking

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-==Overview==+=Overview=
Banking in Lost Souls is a service vital to adventurers. Having someone else looking after your money when death is an almost daily occurrence is a very sensible thing. Banking in Lost Souls is a service vital to adventurers. Having someone else looking after your money when death is an almost daily occurrence is a very sensible thing.
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Banks will only store as much money as they believe the customer can handle. They will refuse to accept deposits past this point. Banks will only store as much money as they believe the customer can handle. They will refuse to accept deposits past this point.
 +
 +The account holding the money is shared between different banks, though different banks
 +calculate the maximum balance differently. For example, the Losthaven bank allows the customer
 +to deposit a lot more than Kimlaudus in the Temple of Discordia.
It is not known what methods the banks use to confirm identity, but the methods are foolproof. It is not known what methods the banks use to confirm identity, but the methods are foolproof.
-==Commands==+=Account maximum balance=
-all bank commands are prefixed by `account`+ 
 +The maximum balance on account is affected by many skills (and also by which bank the customer
 +is using when doing a deposit). The general guide, explained in the sign in banks, reads:
 + All of your skill in finance and ownership is applied to your maximum savings capacity.
 + A total of all your skills in trade and craft are applied by one fourth.
 + A total of all your social skills are applied by one half.
 + Some of your abilities in certain skills may reduce your maximum balance.
 + 
 +In a bit more of tested details:
 +* [[Finance]] and [[Ownership]] affect the most.
 +* [[Diplomacy]], [[Empathy]], [[Fast Talk]], [[Haggling]], [[Intimidation]], [[Manipulation]] affect positively
 +* [[Appraisal]], [[Garbology]] affect positively.
 +* [[Brewing]], [[Cooking]] affect positively.
 +* [[Carousing]] and [[Gambling]] affect '''negatively'''.
 + 
 +Note that Finance also affects one's carried wealth ('show wealth capacity') and
 +keep capacity category 'General/Items/Valuables'. Ownership also affects keep capacity,
 +a lot, in direct 100% skill to keep points ratio to category 'General/Items'.
 + 
 +=Commands=
 +all bank access is now done by either talking to the banker (see the info for the banker in question) or directly handing them money.
 + 
 +=Banks=
 +==[[Losthaven]]==
 +* Name: The Temple of Galduron
 +* Location: Courtly Way, [[Losthaven]], [[Cimbra]]
 +* Availability: All
 +* Initial Deposit: 100
 +* Deposit Fee: 10%
 +* Banker: [[Gredius]]
 +* Notes: Cheapest by far of the bankers for lessons, but also has the lowest max skill he will teach. Most will not get more than 1 lesson out of him, unless you have a really low assim.
 + 
 +==[[Leah's Hill]]==
 +* Name: The Temple of Galduron
 +* Location: 2 0 0, [[Leah's Hill]], [[Visigonia]]
 +* Availability: All
 +* Initial Deposit: 5000
 +* Deposit Fee: 10%
 +* Banker: [[Vasco Shroud]]
 + 
 +==[[Sanctuary]]==
 +* Name: The Temple of Galduron
 +* Location: Temple Street, [[Sanctuary]], [[Quetlatl]]
 +* Availability: All
 +* Initial Deposit: ?
 +* Deposit Fee: 10%
 +* Banker: [[Krassus]]
 + 
 +==[[Sinbyen]]==
 +* Name: The Temple of Galduron at Sinbyen
 +* Location: -2 -7 0 in [[Sinbyen]], [[Gardagh]]
 +* Availability: All
 +* Initial Deposit: ?
 +* Deposit Fee: 10%
 +* Banker: Sneva
 +* Notes: Sneva only seems to speak [[Norska]], though as a thond he also understands [[Dethek]].
-`account open`: Opens an account and deducts the initial fee from carried gold.+==[[Imptropolis]]==
 +* Name: ?
 +* Location: ?, [[Imptropolis]], [[Ebiria]]
 +* Availability: ?
 +* Initial Deposit: ?
 +* Deposit Fee: ?
 +* Banker: ?
 +* Notes: ?
-`account deposit <number>`: Deposits the quantity of gold stated+==[[Gurbodax]]==
 +* Name: ?
 +* Location: ?, [[Gurbodax]], [[Celydon]]
 +* Availability: ?
 +* Initial Deposit: ?
 +* Deposit Fee: ?
 +* Banker: ?
 +* Notes: ?
-`account balance`: Shows how much gold is stored in the account+=Soul Investiture=
-`account withdraw <number>`: Withdraws the amount of gold stated+Soul Investiture is the process of purchasing lives from Lost Souls bankers.
-`account close`: Closes the account and withdraws all money. Accounts also close if they are emptied.+You assert, [soul investment]
-==Banks==+Gredius says, $ For an offering of fifty thousand gold from your savings, Galduron will make an investment in your soul, strengthening it against the vicissitudes of mortality. If you wish to go ahead with this arrangement, say
-===Losthaven===+that you wish your soul strengthened. $ to you.
-Name: The Bank of Losthaven+
-Location: Courtly Way, Losthaven, Cimbra+You assert, [I wish my soul strengthened]
-Availability: Culture of Losthavener+Gredius says, $ Excellent, Mortal. A mere fifty thousand gold is a small price for the kind of peace of mind that Galduron's backing brings. $ to you.
-Account Opening Fee: 100+You feel your soul grow stronger.
-Deposit Fee: 10%+*[[Gatherers|Galduron priests]] only pay 5000 gold. What an incentive!

Current revision

Contents

[edit]

Overview

Banking in Lost Souls is a service vital to adventurers. Having someone else looking after your money when death is an almost daily occurrence is a very sensible thing.

Lost Souls does not use investment banking, rather a "bank" is part of the treasury and financial dealings of most large organisations. They function more like credit unions, where access to the bank is only granted with membership of the organisation.

Accounts can be opened at a bank with a large enough deposit. Once the account is open deposits of any size can be made. Any deposit into the account attracts a percentage fee. This fee goes straight to the organisation that controls the bank and provides one of their sources of funding. Accounts do not gain interest, and no fees are taken after the original deposit fee.

Banks will only store as much money as they believe the customer can handle. They will refuse to accept deposits past this point.

The account holding the money is shared between different banks, though different banks calculate the maximum balance differently. For example, the Losthaven bank allows the customer to deposit a lot more than Kimlaudus in the Temple of Discordia.

It is not known what methods the banks use to confirm identity, but the methods are foolproof.

[edit]

Account maximum balance

The maximum balance on account is affected by many skills (and also by which bank the customer is using when doing a deposit). The general guide, explained in the sign in banks, reads: 

   All of your skill in finance and ownership is applied to your maximum savings capacity.
   A total of all your skills in trade and craft are applied by one fourth.
   A total of all your social skills are applied by one half.
   Some of your abilities in certain skills may reduce your maximum balance.

In a bit more of tested details:

Note that Finance also affects one's carried wealth ('show wealth capacity') and keep capacity category 'General/Items/Valuables'. Ownership also affects keep capacity, a lot, in direct 100% skill to keep points ratio to category 'General/Items'.

[edit]

Commands

all bank access is now done by either talking to the banker (see the info for the banker in question) or directly handing them money.

[edit]

Banks

[edit]

Losthaven

  • Name: The Temple of Galduron
  • Location: Courtly Way, Losthaven, Cimbra
  • Availability: All
  • Initial Deposit: 100
  • Deposit Fee: 10%
  • Banker: Gredius
  • Notes: Cheapest by far of the bankers for lessons, but also has the lowest max skill he will teach. Most will not get more than 1 lesson out of him, unless you have a really low assim.
[edit]

Leah's Hill

[edit]

Sanctuary

  • Name: The Temple of Galduron
  • Location: Temple Street, Sanctuary, Quetlatl
  • Availability: All
  • Initial Deposit: ?
  • Deposit Fee: 10%
  • Banker: Krassus
[edit]

Sinbyen

  • Name: The Temple of Galduron at Sinbyen
  • Location: -2 -7 0 in Sinbyen, Gardagh
  • Availability: All
  • Initial Deposit: ?
  • Deposit Fee: 10%
  • Banker: Sneva
  • Notes: Sneva only seems to speak Norska, though as a thond he also understands Dethek.
[edit]

Imptropolis

  • Name: ?
  • Location: ?, Imptropolis, Ebiria
  • Availability: ?
  • Initial Deposit: ?
  • Deposit Fee: ?
  • Banker: ?
  • Notes: ?
[edit]

Gurbodax

  • Name: ?
  • Location: ?, Gurbodax, Celydon
  • Availability: ?
  • Initial Deposit: ?
  • Deposit Fee: ?
  • Banker: ?
  • Notes: ?
[edit]

Soul Investiture

Soul Investiture is the process of purchasing lives from Lost Souls bankers.

You assert, [soul investment]

Gredius says, $ For an offering of fifty thousand gold from your savings, Galduron will make an investment in your soul, strengthening it against the vicissitudes of mortality. If you wish to go ahead with this arrangement, say that you wish your soul strengthened. $ to you.

You assert, [I wish my soul strengthened]

Gredius says, $ Excellent, Mortal. A mere fifty thousand gold is a small price for the kind of peace of mind that Galduron's backing brings. $ to you.

You feel your soul grow stronger.

Retrieved from "http://wiki.lostsouls.org/Banking"
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